Budgeting & bank accounts

Archives for July 2011

Overdraft and Credit Rating
Please forgive me for this very stupid question. I have just discovered I have a current account with an overdraft (thought I had to apply for overdraft turns out I didn't). I'm looking to build up a credit history. Will simply having the overdraft be enough to do this or do I have to go into the overdraft then pay it back…
I honestly dont know where to start ....
Hello, For what seems like forever I have been avoiding doing a budget - this weekend I went for a free trial at a lovely leisure centre complex and I would really like to join (£20 for all of next month and then £38.99 for two months - minimum contract then if goes to £35 a month). Anyway .... this means I reall need to…
Remove Virgin Media missed payment mark from credit rating
Hi All I am new to this so hopefully you can help I checked my credit rating on Equifax and found that Virgin media had put a late payment mark on my credit score from nov 10. How can I get this removed from my credit rating Thanks
Which banks have cash deposit machines ?
Apart from HSBC, which banks in England have widespread installations of cash deposit machines (the paper cash counting ones).
BOS reward Fee
Hi Just checked my online banking andmyt 12.50 reward fee for 1st August is showing , do bos accounts update early on a sunday ?
barcalys bank confusion
i get paid on fridays and the money shows in my available balance that day so i use my card to pay bills etc or dds go out but on a saturday my account is always over drawn cause barclays dont actually confirm my wages going in till monday so any card transactions/dd make me overdrawn i spoke to them and they just said its…
current account with bad credit
does anyone know of any banks who will let you open a current account when you have bad credit. my friends bank has closed her account with no warning, she was in credit with them, bit because it was a buisness account and she no longer uses it as a business account they have just shut it, no option of transferring to a…
Halifax Easycash account credit search
Hi I wanted to know if this basic account is credit scored and leaves a footprint, which lowers credit score? Also if the co-op cashminder credit scored as well leaving a mark on credit file. Thanks
Fraudulent Transactions Attempted on Account
Hey everyone.:wave: Halifax phoned me and wanted me to go through security questions but I said that I'd prefer to phone them so that I know that I am actually talking to someone from Halifax and not someone down the road (get a bit paranoid and think the inlaws paranoia has rubbed off on me lol). Anyway, I manage to phone…
Cant get a bank account?
My husband and I separated 2 weeks ago and up until now he has always used my bank account. He is a year and a half into a trust deed. Where is he likely to be able to get his own bank account? He tried with my bank (RBS) but they declined him.
What is the best account for 16 YO
My 16 year old, is thinking about opening an account. I will by direct debit put a monthly ammount in there. My gut feel is that it will actually less than the current arrangement of "dad can I have XXXX to go to XXXX":eek: it forces her to understand money management & value.:) She will plan to go to university but all…
Scottish Power taken payment today instead of Monday
I have a direct debit set up for scottish power for the 1st of the month. Just checked my bank and they have taken payment today instead of Monday. My wages do not go into the bank until the 1st which is why this date is set up. I have now been left £117 OD. On the online statement the payment is dated 1st August but taken…
Do I need a business account?
I am a self-employed website developer and only have a personal current account, and I am looking at getting a business account and want some advice. I used my personal account initially because there were only one or two payments coming in a month (from the likes of Google or Amazon), so it wasn't much different to an…
Express clearance of cheque in same bank
Can anyone tell me how long it would take to express clear a cheque from one natwest branch to another natwest branch. Basically we received a cheque for insurance payout from natwest in london and my account is natwest in newbury. We need to pay a bill or two urgently. thank you for any help
Charges for exceeding overdraft limit
Hi, I'm currently having some major money issues due to going through a separation and having to pay my mortgage for the house I share with my husband as well as rent an extra place. This piled on top of years worth of bad bank and credit card debt is making budgeting very hard and leaving me with near to nothing each…
Can Santander change my account type without telling me?
I graduated in 2008 and hold a graduate account with Santander (or at least I thought I did until today as I received a letter with 'everyday account' written on the top). I also received my statement today, which shows that I have fees amounting to £5.50 for using my arranged overdraft at a rate of 50p per day I'm…
Does Santander still charge if you go over by under 10.00?
Hello, I have an over draft but because of two DD my account went over by 6.00 in total, the next day it was back in order. They are charging me 25.00 EACH for a matter of hours. I think this is totally unfair but they don't care and won't listen to me. I asked if it could at least be split so I can pay over two months but…
bad credit bank accounts
Hi, new to forum, first post. just a post about the above subject. I have a very poor credit rating and i thought the only bank account option for me was think banking (£14.50) a month. I am not bankrupt but about to enter P.T.D. tried on the off chance and applied to R.B.S. , Natwest and HBOS for basic accounts. I was…
Lloyds Saturday payments into accounts?
I am waitting for a payment to go into my Lloyds account on Monday and i have seen that Debit card payments last Saturday with Mondays date so does that mean that the payment could show on my account Tomorrow Sat? I know some banks let you take it out on the Sat if its due in account on the Monday but dont know if Lloyds…
Santander reducing Overdraft limit
Im currently a student and have been living off my overdraft for the past couple of months. I have a £2000 overdraft limit (which is interest free), and im pretty much at the limit right now. Out of nowhere, Santander has just sent me a letter telling me they are reducing my overdraft limit to £1250 on Septermber 1st,…

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Budgeting & bank accounts

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